1. In fact, there are two main reasons why banks refuse to repay mortgages in advance. First, the lender has applied for a mortgage for less than one year, because there are detailed provisions in the contract, and it is not allowed to apply for early repayment if the mortgage is less than one year.

2. There is another situation. If you don't make an appointment in advance, you must make an appointment to repay the mortgage in advance, because the mortgage can only be repaid in advance after the appointment is successful, otherwise the bank will refuse to make an appointment. Therefore, if the applicant wants to repay the mortgage in advance, he must abide by the loan bank's regulations on repaying the mortgage in advance. Time and quantity are very important. Of course, you can also call the customer service phone of the bank to find out.